topic Re: NFCU Platinum!!! in Credit Card Approvals

NFCU Platinum!!!

newmomnewme — Fri, 28 Aug 2020 13:26:21 GMT

Ok guys, I was prepping my credit for a mortgage (pushing hard for 740). Got pre-approved by a local financer and WF but there are NO homes on the freaking market and my lease isn't up until Sept 2021. I figured the only way to get my scores up was to improve my UTIL by getting some padding.

NOTE: I have two paid collections (NCA refuses to delete EVER) from 2018 and a 30 day late from 2018 (NFCU CashRewards Visa - closed by credit grantor).

AAOA - 8.5 years (Amex backdated to 1994)
UTIL - 49%
Navcheck -13/15k

PSECU - 13/15k

Pepco Visa - 6/9.5k

Cap1 QS, Amex Blue, Chase Freedom, Macy's, Amazon, Target all zero

Non-Mort Inq - EQ 2, TU 0, EX 2

Thanks to you all, I found out that NFCU pulls TU9 for cc. I still don't know what my TU 9 is. When I find out I will update this post.

I applied yesterday around 4pm and received the dreaded Under Review 24-48 hour message. This morning I woke up to a Congratulations e-mail: 20k SL 12.99% APR. I think I will transfer my PSECU balance over for the 0%.

FYI- the cash rewards they closed had a 20k limit and 17.65% APR.

I am thinking about one more before I head to the garden for at least 6 months....ask for CLI on PSECU VISA, Upgrade Amex Blue to BCP, add another Chase product, join PenFed, or try for Citi??

Re: NFCU Platinum!!!

gdale6 — Fri, 28 Aug 2020 13:35:20 GMT

pretty good SL, congrats on the card

Re: NFCU Platinum!!!

xiocc — Fri, 28 Aug 2020 13:53:35 GMT

Congrats on the Approval! How did you manage to get the Amex backdated? lol

Re: NFCU Platinum!!!

TSlop — Fri, 28 Aug 2020 14:13:15 GMT

Congrats on the approval!

We are also looking to move out of our "starter" house and into something larger. It is definitely a seller's market.... tough to find anything decent in my price range. Thankfully, we can stay in this house as long as needed and build more equity.

Re: NFCU Platinum!!!

AllZero — Fri, 28 Aug 2020 14:17:14 GMT

Congratulations on your approval!

Re: NFCU Platinum!!!

M_Smart007 — Fri, 28 Aug 2020 14:22:58 GMT

Congratulations on your NFCU Approval..

Re: NFCU Platinum!!!

coreyb80 — Fri, 28 Aug 2020 14:41:37 GMT

Congrats on the approval!

Re: NFCU Platinum!!!

Credit4Growth — Fri, 28 Aug 2020 14:53:43 GMT

Congrats to you and happy Friday!

Re: NFCU Platinum!!!

Wavester64 — Fri, 28 Aug 2020 14:54:10 GMT

@newmomnewme

Re: NFCU Platinum!!!

Harvey26 — Fri, 28 Aug 2020 15:28:42 GMT

@newmomnewmeConrgats! Lets work on getting those balances down now!

Re: NFCU Platinum!!!

AverageJoesCredit — Fri, 28 Aug 2020 15:38:54 GMT

go Sync, its whats for dinner

Re: NFCU Platinum!!!

mrjerry — Fri, 28 Aug 2020 15:49:30 GMT

Congrats and TGIF!

Re: NFCU Platinum!!!

newmomnewme — Fri, 28 Aug 2020 16:22:25 GMT

@xiocc I opened in 2015 when they were still backdating...

Re: NFCU Platinum!!!

newmomnewme — Fri, 28 Aug 2020 16:27:28 GMT

Thanks Everyone.

Definitely a good start to the weekend.

@Harvey26 for sure, I plan to BT the PSECU over to this card at 0%. Then BT the Navcheck to PSECU at 2.9%....might ask PSECU for a CLI beforehand....they pull EX and I have two INQ over there that turn 1 in Oct, I have to do some research before I make any moves that result in HP though.

Re: NFCU Platinum!!!

Harvey26 — Fri, 28 Aug 2020 16:33:57 GMT

@newmomnewmewhen does your statment cut for PSECU. If you can complete the BT in time. Then may have a window where that debt is not on your credit at all to give you a nice score bump for when you request a CLI.

Re: NFCU Platinum!!!

newmomnewme — Fri, 28 Aug 2020 16:44:46 GMT

@Harvey26

Ok...I see. Statement cuts 8/31...missed that. So should I wait to BT to Navy or no? How long is Navy going to take to report?

Now I'm guessing I should have done the BT when I applied. 😀

Re: NFCU Platinum!!!

csl1 — Fri, 28 Aug 2020 16:56:24 GMT

Congratulations! NFCU is so awesome. Glad they're treating you well.

Re: NFCU Platinum!!!

mrcraft — Fri, 28 Aug 2020 17:03:34 GMT

Congratulations on your approval!!

Re: NFCU Platinum!!!

cashorcharge — Fri, 28 Aug 2020 20:57:56 GMT

Outstanding!!! Congratulations!!

Re: NFCU Platinum!!!

CreditCuriosity — Fri, 28 Aug 2020 21:40:02 GMT

Congrats. Obviously keep on working on paying down your debt as you know your score will go up as a result. Good luck on the house when it is the right time.